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Place dossier plate
SheetNJ-TOMS-RIVER-NJ · Toms River, NJ 93,915 pop · income 75th pct · 145 tracts
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Toms River
Lowest/highest poles plus peers nearest Toms River on median household income. Full ladder: /browse and /rankings.
median HH income
Camden · lowest
40,450
Camden · lowest
40,450 median HH income
35.3% of the leader · rank #1
Dillon · near
95,750
Dillon · near
95,750 median HH income
83.7% of the leader · rank #2
Crown Point · near
95,757
Crown Point · near
95,757 median HH income
83.7% of the leader · rank #3
Toms River · this city
95,759
Toms River · this city
95,759 median HH income
83.7% of the leader · rank #4
Reinholds · near
95,765
Reinholds · near
95,765 median HH income
83.7% of the leader · rank #5
Evanston · near
95,766
Evanston · near
95,766 median HH income
83.7% of the leader · rank #6
Atascocita · highest
114,443
Atascocita · highest
114,443 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Toms River on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 93,915.
Out of every US city with 1,000+ residents, Toms River places in the 75th percentile for household income. Source: Census ACS.
75th
percentile, household income
75th
percentile, home value
94th
percentile, median rent
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Toms River, NJ
New Jersey's Toms River is a small city, with 93,915 residents per the latest Census Bureau ACS figures. Toms River households earn a median of $95,759 annually, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 3.7%. Typical homes in Toms River are valued around $377,800, and the median resident age is 41.6 years. Educational attainment runs 35.2% of adults with a bachelor's degree or higher. Separately, 60.5% of working-age residents are in the labor force.
NOAA puts Toms River's yearly average temperature at 52.7°F with 52.0 inches of precipitation per year.
New Jersey carries a cost-of-living premium: BEA Regional Price Parities 2024 puts New Jersey at 108.8 on a 100-equals-national-average scale (Well Above Average). Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $2,132 monthly. Statewide, average monthly utility bills in New Jersey run around $275, per EIA 2023 residential energy data. Natural-hazard exposure scores 90.8 out of 100 on FEMA's National Risk Index (Very High).
A decision-led reading path
Useful questions to ask of Toms River's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from within-city variation to climate and hazard context to housing and income to schools and households to comparison shortlist to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Toms River, city-specific coverage includes within-city Census tract profiles, matched public-school count, commute-mode shares.
No matched row is reported here for FBI reported-crime rates, local building permits, annual population history; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
What can 145 Census tracts reveal inside Toms River?
PlainCities matches 145 Census tracts to this city.
That layer breaks the citywide income, rent, and home-value medians into smaller Census geographies, which can reveal differences that one municipal median necessarily hides. A tract is a statistical area, not a locally defined neighborhood or a promise about conditions on a particular block. Start with the city profile for the broad comparison, then use the tract layer to test whether the same housing and income pattern is consistent across the city. Large within-city spreads are a reason to avoid treating any citywide median as a universal resident experience.
What physical conditions frame life in Toms River?
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
NOAA normals put the annual mean temperature at 52.7°F, with 52.0 inches of precipitation. FEMA's state-averaged National Risk Index score for New Jersey is 90.8 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
How far does income reach against housing in Toms River?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.
The home-value-to-income reference sits in a middle range: the ACS median home value is 3.9 times median household income. The ACS poverty estimate is 3.7%, which keeps the citywide median from describing every household.
Which cities make useful reference points for Toms River?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
Within New Jersey, the closest population matches are Trenton (89,966 residents, $47,102 income); Clifton (89,247 residents, $99,003 income); Camden (71,471 residents, $40,450 income). Outside the state, the closest population matches in this dataset are Atascocita, TX (93,926 residents); Plantation, FL (94,002 residents); Livonia, MI (94,058 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Schools and households
What does the education layer cover for Toms River?
The matched institution count is small, so district boundaries and schools outside the city line may matter more than the municipal count suggests. Use the number as a coverage cue, then verify attendance zones with the district before making a household decision.
The NCES join finds 1 public school within the city match. 35.2% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
Poverty estimate
3.7%
Bachelor's degree+
35.2%
Matched public schools
1
NCES Common Core of Data school locations plus Census ACS resident characteristics.
What does the journey to work look like in Toms River?
Driving alone is the largest reported mode at 76.5%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Drive alone
76.5%
Work from home
12.7%
Public transit
0.4%
City-level Census ACS commuting estimates covering 44,781 workers age 16+.
Above median income · poverty 3.7% (Below-median poverty)
Cost of Living Index (state)
108.8 (US=100)
High cost · BEA RPP 2024, New Jersey average
C
City profile score · Toms River, NJ
57/100
4 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Household income B+
$95,759
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate B
3.7%
Share of residents below the poverty line; lower scores better on this axis.
Bachelor's+ share B-
35.2%
Adults with a bachelor's degree or higher; ACS.
Cost of living F
108.8 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Toms River profile (scored ACS/FBI dimensions)Read the chart values
Household income: 75/100 (B+) · $95,759
Poverty rate: 74/100 (B) · 3.7%
Bachelor's+ share: 67/100 (B-) · 35.2%
Cost of living: 10/100 (F) · 108.8 index
How does Toms River compare to other US cities?
Here's how Toms River stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.
Household income75% higher than other cities
Home value75% pricier than other cities
Median rent94% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Toms River against every qualifying US city; each in-state rank narrows that to New Jersey only. Full formula and direction notes: methodology.
New Jersey-relative analysis
Median Gross Rent places Toms River near the bottom of New Jersey's cities
Among the 686 New Jersey cities PlainCities tracks with reported median gross rent data, Toms River ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Toms River only against its own state's cities, not the full US field.
Median Household Income
#408 of 659
38th percentile in New Jersey
Median Gross Rent
#1 of 686
0th percentile in New Jersey
Median Home Value
#365 of 672
46th percentile in New Jersey
Poverty Rate
#300 of 680
55th percentile in New Jersey
Bachelor's Degree or Higher
#417 of 686
39th percentile in New Jersey
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within New Jersey only, not a livability score. See the methodology for the source and calculation.
Gauge source note
75th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Toms River's home value compares nationally
Median home value vs. every US city (population 1,000+)
$377,80025th percentilemore affordable than 25% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Toms River's home-value-to-income ratio: 3.9×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#10,538 of 15,516
More affordable than 32% of tracked cities (pop. 1,000+)
Size class
#300 of 750
Mid-size cities (50,000–199,999)
At 3.9×, Toms River sits in the moderate band:
national rank #10,538 of 15,516 and #300 of 750mid-size cities (50,000–199,999).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$95,759Toms River, NJ median household income (Census ACS)
Show U.S. national quintile / Lorenz context Toms River, NJ median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Toms River, NJ.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)35.2%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)3.7%
Census ACS S1701, poverty status
Labor force participation (adults 16+)60.5%
Census ACS S2301, share of working-age residents in the labor force
Population
93,915
Median Income
$95,759
Median Home Value
$377,800
Median Age
41.6
Poverty Rate
3.7%
Labor force participation
60.5%
Bachelor's Degree+
35.2%
Climate
Avg Temperature
52.7°F
Annual Precipitation
52.0"
Annual Snowfall
N/A
Schools
Total Schools
1
Public schools in this city
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
76.5%
Carpool
8.2%
Public Transit
0.4%
Walk
0.4%
Work from Home
12.7%
Other
1.8%
Based on 44,781 workers 16 and over.
Monthly Utility Costs
New Jersey statewide monthly utility average (EIA 2023): $275
EIA 2023 residential energy data puts average monthly utilities across New Jersey at $275 (electricity about $120 , water and sewer about $60 ).
These are New Jersey statewide averages, not a meter reading for Toms River. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
New Jersey's BEA cost-of-living index is 108.8 (Well Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Toms River is $2,132/mo. FEMA's National Risk Index, averaged to New Jersey statewide on PlainCities, rates natural-hazard exposure at 90.8 / 100 (Very High).
Cost/risk geography note
Cost of living is a New Jersey statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Toms River sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Toms River compares to similar-size New Jersey cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, NOAA Climate Normals, NCES CCD, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.